民间借贷危机及民间借贷制度变革探析

Non-governmental Loan Crisis and Non-governmental Loan System Change

前不久,温州借贷危机引发的多米诺效应成为了舆论关注的焦点,民间借贷的混乱导致许多中小型企业的资金链断裂,濒临破产,究其原因是我国目前对民间资本借贷缺乏有效的制度和监管。如何对民间借贷进行规范,引导其健康有序地发展,是一个迫切需要解决的问题。

Recently, the domino effect caused by loan crisis in Wenzhou becomes the focus of attention. And many small and medium enterprises are confronted with bankruptcy due to lack of funds caused by loan crisis. The reason for it is the lack of system and control of non - governmental loan in China. It is a pressing problem to regulate and lead non- governmental loan.